Hayes, Jonathan2011-01-202011-01-202009http://hdl.handle.net/10625/45532PowerPoint presentationInstead of issuing cards, Dinube employs account-to-account payments based on the European Single Euro Payments Area (SEPA) Instant Credit Transfer Scheme, enabling real-time payment between customers' and retailers' bank accounts. The presentation illustrates the peer-to-peer payment system. As well, small businesses can check cashflow in real-time on the web. Personal data is kept private. Dinube distinguishes itself from other payment networks by not profiling its users and by eliminating cards and thus associated fees for retailers.Text1 digital file (13 p. : ill.)enWORLD WIDE WEBMOBILE BANKINGELECTRONIC FUNDS TRANSFERMOBILE TELECOMMUNICATION SERVICESINTEROPERABILITYFINANCIAL SERVICESINFORMATION NETWORKSFINANCIAL INCLUSIONDIGITAL INCLUSIONPRIVACY PROTECTIONELECTRONIC COMMERCEE-COMMERCEBANKINGGLOBALPresentation